I have seen many arguments with this same problem:
>Economy will crash even if we open up
This invites us to think of economic crashes as a do-or-don't function. This oversimplifies, and prevents us from thinking through the various degrees of "opening up" we might attempt, and the various kinds of economic harm we will suffer in different scenarios.
>People will continue to voluntarily shelter.
Some people will. Some people already were, for other medical reasons. The question is how many, and how much of an impact this will have (both in terms of controlling the disease spread, and harming people's physical health, emotional health, financial health).